Credit assessment based on digital behavioral data

Startups such as Lenddo, Kreditech, Cignifi and ZestFinance already utilize data from social media, web searches, or mobile phones to calculate someone’s creditworthiness without actually using data related to financial transactions. Some also draw on information on how someone fills out an online form or navigates on a website, the grammar and punctuation of one’s text messages, and the battery status on said individual’s phone. Some companies even include data about someone’s friends on a social network in calculating credit scores.

The article is from 2017.
It's certain to be far worse today.